I started with Hexagon and Silo, then moved on to C4D R13. While C4D R20 will remain on my computer and get some use, my plan is to do the majority of my work in Blender.
My reasons are pretty much the same as yours with a bit of a twist. I had to do some catch-up upgrading last year and ended up without an MSA (long story…it had been included in the offer). I decided to wait and see if R21 had anything worth upgrading for. I tried to buy a new MSA at the beginning of August but it had been discontinued with no notice.
I am not going to pay their sub price nor their upgrade price as it will be the default Studio pricing now. I have Broadcast and the Studio pricing is almost double. For the people with the Prime version, it will be triple.
I have been dabbling with Houdini a bit, and their apprentice pack is iirc $250/year and they can handle a lot of the things that Mograph does. So if I ever get proficient enough, I will add that to my Blender toolbox. That also will give me access to different rendering packages.
Good luck to you and to all of us starting on this new adventure!